Pambansang Pabahay Para sa Pilipino: Everything You Need to Know About 4PH

4PH Housing Program to Address 6.5M Backlog With 1M Units to be Built Every Year

In 2022, the PBBM administration launched the Pambansang Pabahay Para sa Pilipino or 4PH housing program. The objective is to address the 6.5 million housing backlog through the construction of one million units per year. The program is managed by the Department of Human Settlements and Urban Development together with Local Government Units to meet the goal. So, let’s discuss further what the 4PH program is for and who can benefit from this government initiative.

What is the 4PH Program?

The 4PH program relies on joint financing with private developers and the Pag-IBIG Fund to create a more accessible socialized housing in the Philippines. With expanded 4PH modalities, the program aims to adjust to different financial capacities with homeownership through formal rental housing, the Expanded Community Mortgage Program, and via horizontal or vertical development.

Key Strategies of 4PH

The main design is to build township developments near public transportation, city centers, and schools. These transit-oriented communities offer parks, basic livelihood facilities, and open spaces to promote healthier interaction among residents. On the financial side, the 4PH program uses subsidized interest rates to cut down monthly amortizations. As a result, this housing program provides a more affordable urban condo living for Filipinos with minimum wage.
Currently, the ongoing construction of housing units is being done nationwide with notable developments in Bulacan, Laguna, San Juan City, and Subic. There may be some issues with initial funding, but the government adjusted its targets and short-term goals. The admin, therefore, focuses on incremental housing and joint ventures as they aim to complete 300,000 – 1.2 million housing units by 2028.

​How and Who Can Benefit from 4PH?

For anyone interested to become a 4PH beneficiary, applicants must be an active Pag-IBIG Fund member without foreclosed accounts or outstanding short-term loan. To be considered, qualified beneficiaries need to get an endorsement from the LGU which governs their barangay. You can contact the Program Management Office through their email, or check out the DHSUD Official 4PH Kit via their website.
Eligible Participants:

• 18-65 years old Filipino citizens
      
  
• No house registered under your name or spouse’s name
      
  
• Active Pag-IBIG member with minimum 24 months of contributions
      
  
• Not a previous beneficiary of any private or government housing program
      
  
• No outstanding short-term Pag-IBIG loan
  

Final Thoughts

Homeownership should be accessible and affordable for Filipinos in all walks of life. The 4PH Program aims to help minimum wage-earners in the Philippines to afford a decent home, especially those in informal sectors and urban poor communities. Filipino citizens who currently don’t own a house are welcome to apply as qualified beneficiaries of the program. If you can’t apply for any government housing program, you may check out affordable lot for sale in Baguio City or visit REALS.PH for a wide-range of listings that suit your needs.